Bank Branches › Closed and merged banks › Texas › Heritage Bank
What happened to Heritage Bank?
Heritage Bank in Wharton, TX (earlier called Wharton Bank and Trust Company) merged into Prosperity Bank of El Campo, TX on Feb 23, 2001. Prosperity Bank is open today.
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1898Wharton Bank and Trust Company opens in Wharton, TX
- Oct 26, 1992renamed Heritage Bank
- Feb 23, 2001MERGEDHeritage Bank merged into Prosperity Bank of El Campo, TX.FDIC certificate 1221 ends; its business continues under certificate 16835.
- TodayOPEN
Prosperity BankMain office El Campo, TX · FDIC certificate 16835 · 344 offices in 2 states on June 30, 2026Every Prosperity Bank office → Website on file with the FDIC: www.prosperitybankusa.com
If you still have something from Heritage Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Heritage Bank as lienholder, start with Prosperity Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Prosperity Bank to search for the account under the name Heritage Bank. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Prosperity Bank which branch now holds boxes from the Heritage Bank office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
12 offices filed under this charter in some year from 1994 on. 10 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 4295 San Felipe St, Fl 100Houston, TX | OpenProsperity Bank |
| 520 Main StLiberty, TX | OpenProsperity Bank |
| 152 N Washington AveCleveland, TX | OpenProsperity Bank |
| 25820 Hempstead HighwayCypress, TX | OpenProsperity Bank |
| 143 W Burleson StWharton, TX | OpenProsperity Bank |
| 18935 Fm 1488 RdMagnolia, TX | OpenProsperity Bank |
| 811 Louisiana St, Ste 140lHouston, TX | OpenProsperity Bank |
| 5707 Woodway DrHouston, TX | OpenProsperity Bank |
| 7505 Main StHouston, TX | OpenProsperity Bank |
| 15050 Fairfield Village Square Dr, Ste 150Cypress, TX | OpenProsperity Bank |
| 220 South Houston StreetWharton, TX | No longer reported |
| 6800 W Loop South Suite 100Bellaire, TX | No longer reported |
Banks folded into Heritage Bank
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 5 charters end up inside it.
| Bank | Ended |
|---|---|
| Cleveland Bank & TrustCleveland, TX | Dec 13, 1991 |
| First State BankCypress, TX | Dec 13, 1991 |
| Park Tower National BankHouston, TX | Dec 13, 1991 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 1221 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.